North Dakota Affordable Care Act laws & HR compliance analysis

North Dakota Affordable Care Act: What you need to know

The Affordable Care Act (ACA) created a system of healthcare exchanges (or “marketplaces”) to provide individuals and small employers with access to affordable insurance coverage beginning January 1, 2014. The exchanges are supposed to make it easy for small businesses and individuals to compare healthcare plans, receive answers to their questions, find out whether they are eligible for certain tax credits and/or health programs, and enroll in a healthcare plan that works for them.
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States had the flexibility to design and operate exchanges that best met their unique needs while complying with ACA’s statutory and regulatory standards. All the states had to make a choice regarding what kind of exchange they wanted. Basically, the states could:
• Build a fully state-based exchange;
• Default to a federal exchange (often referred to as a “federally facilitated exchange”); or
• Enter into a state partnership exchange with the federal government.
Each state had to establish an exchange where individuals can go to buy coverage, but the states also had to set up Small Business Health Options Programs (SHOPs or SHOP exchanges) where small businesses can purchase coverage.
North Dakota decided to default to a federally facilitated exchange. Therefore, consumers in North Dakota will use HealthCare.gov to apply for coverage, compare plans, and enroll.
Small employers can use the federal SHOP to offer coverage to their employees. These small employers can decide what coverage to offer and how much to pay toward their employees’ premiums.
• 2015: SHOP Marketplace is open to employers with 50 or fewer full-time equivalent employees (FTEs).
• 2016: SHOP Marketplace is open to employers ...

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North Dakota Affordable Care Act Resources

Type Title
White Papers Employers must provide notice of health insurance marketplace
See all Affordable Care Act Resources